Turtle Mountain State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Commercial and industrial: 6.61 percentage points lower than in Q1 2026, at 38.05%. Turtle Mountain State Bank has the 3rd lowest loan-to-deposit ratio of the 60 banks headquartered in North Dakota, at 41.02% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Turtle Mountain State Bank sits 39.82 points lower, at 41.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.9M |
| Net loans and leases | $40.5M |
| Loans held for sale | $0 |
| Loans to total assets | 35.88% |
| Loan-to-deposit ratio | 41.02% |
| Net loans to equity capital | 2.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.20% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 38.05% |
| Consumer | 8.65% |
| Credit cards | 0.00% |
| Farm | 16.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.21% |
| Interest income on loans | $673K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $29.2M | $148.0M | 4.50% | 61.36% | 10.24% |
| Q4 2023 | $32.2M | $148.3M | 4.71% | 64.72% | 9.44% |
| Q1 2024 | $34.0M | $132.5M | 5.03% | 64.59% | 8.50% |
| Q2 2024 | $37.0M | $136.5M | 7.12% | 63.35% | 7.85% |
| Q3 2024 | $37.5M | $138.5M | 6.15% | 63.70% | 7.41% |
| Q4 2024 | $37.1M | $113.5M | 9.50% | 60.28% | 7.96% |
| Q1 2025 | $37.3M | $122.6M | 11.18% | 59.59% | 6.94% |
| Q2 2025 | $39.8M | $119.2M | 11.28% | 55.14% | 7.73% |
| Q3 2025 | $37.0M | $105.9M | 12.09% | 51.36% | 9.24% |
| Q4 2025 | $36.8M | $103.6M | 12.11% | 51.21% | 9.57% |
| Q1 2026 | $35.7M | $97.6M | 12.91% | 44.66% | 9.98% |
| Q2 2026 | $40.9M | $99.8M | 11.20% | 38.05% | 8.65% |
Turtle Mountain State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Turtle Mountain State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Turtle Mountain State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58586) · FFIEC NIC profile (RSSD 3626184)